Apple has offered to open up the iPhone near-field communication (NFC) system that Apple Pay uses to other payment services, in a possible effort to...
If you remove the “provisioning flow” does the payment still get processed?
I think I catch your meaning: it seems you’re arguing that provisioning is a necessary prerequisite to using Apple Pay.
While that is true that you must have set up Apple Pay in order to use Apple Pay, the provisioning flow is not part of payment processing.
A good definition of what is meant by payments processing (from Stripe):
Payment processing is the sequence of actions that securely transfer funds between a payer and a payee. Typically, it involves the authorization, verification, and settlement of transactions through electronic payment systems.
In that process, detailed in the flow diagram from my earlier comment, Apple Pay servers do not play a role.
I think I catch your meaning: it seems you’re arguing that provisioning is a necessary prerequisite to using Apple Pay.
No, that’s not what I said. I said “provisioning” is part of the payment process. If you remove Apple Pay, there is no payment processed. Ergo Apple Pay is part of the process. This is not complicated.
Payment processing is the sequence of actions that securely transfer funds between a payer and a payee. Typically, it involves the authorization, verification, and settlement of transactions through electronic payment systems.
I don’t understand how you can write that out and then immediately turn around and tell me that Apple Pay has nothing to do with any of it, because it’s describing the process of Apple Pay very clearly and succinctly.
I think I catch your meaning: it seems you’re arguing that provisioning is a necessary prerequisite to using Apple Pay.
While that is true that you must have set up Apple Pay in order to use Apple Pay, the provisioning flow is not part of payment processing.
A good definition of what is meant by payments processing (from Stripe):
In that process, detailed in the flow diagram from my earlier comment, Apple Pay servers do not play a role.
Ha! Well all the best to you.
No, that’s not what I said. I said “provisioning” is part of the payment process. If you remove Apple Pay, there is no payment processed. Ergo Apple Pay is part of the process. This is not complicated.
I don’t understand how you can write that out and then immediately turn around and tell me that Apple Pay has nothing to do with any of it, because it’s describing the process of Apple Pay very clearly and succinctly.